Spending Money Lessons

Welcome to our page on spending money! We believe that understanding how to manage spending is a crucial skill in financial literacy. Our resources are designed to provide a comprehensive understanding of spending, including creating a budget, tracking expenses, and avoiding impulsive buying. Whether you’re a teacher, parent, or financial educator, our collection of lesson plans, worksheets, and activities will equip you with the tools you need to teach these critical skills and empower students to become responsible consumers. From managing everyday expenses to saving for big purchases, our materials will help students develop healthy financial habits and make informed decisions about their spending.

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  • Spending Money and Consumer Math Lessons



  • Additional Lessons:

    Comparison Shopping – Needs and Wants

    This lesson introduces students to the basics of comparison shopping. Teaching Objectives: Understand how to carefully consider alternatives before making a purchase. Suggested Grade Level 3rd Grade – 6th Grade Lesson Excerpt: This lesson introduces students to the concepts associated with comparison shopping and choosing the best option. The activities in this lesson will introduce … Continue reading Comparison Shopping – Needs and Wants


    Allowances and Spending Plans

    Students learn an introduction to allowances. Teaching Objectives: Recognize how to divide an allowance into a spending plan. Learn how to balance income and expenses. Gain confidence in preparing spending plans. Suggested Grade Level 3rd Grade – 6th Grade Lesson Excerpt: Children in grades three through six are capable of managing small amounts of money. … Continue reading Allowances and Spending Plans


    Spending Plans

    Students learn about making spending plans and the importance of saving. Teaching Objectives: Identify categories for spending plans. Recognize the importance of saving some money for future needs. Suggested Grade Level Pre-K – 2nd Grade Lesson Excerpt: Preschool-aged children are capable of learning simple spending plans. Early training in categorizing money establishes patterns for future … Continue reading Spending Plans


    Making Spending Decisions

    Students learn about making spending decisions. Teaching Objectives: Gain self-confidence in making decisions. Analyze simple alternatives. Develop rational behavior patterns. Practice making decisions in structured situations. Suggested Grade Level Pre-K – 2nd Grade Lesson Excerpt: From birth, a child has choices. At first parents make the decisions, but before the end of the first year, … Continue reading Making Spending Decisions


    Managing High Levels of Debt

    Students learn about handling high levels of debt. Teaching Objectives: Identify ways to deal with high levels of personal debt. Compare the costs and benefits of filing bankruptcy. Recognize the impact of filing bankruptcy. Explain the importance of reestablishing positive credit history.  Demonstrate the steps to rebuilding positive credit history. Standard 13: The student will … Continue reading Managing High Levels of Debt


    Gambling — Risky Business

    Students learn about the costs and benefits of gambling. Teaching Objectives:  Recognize gambling as a form of risk.  Calculate the probabilities of winning in games of chance.  Explore the potential benefits of gambling for society.  Explore the potential costs of gambling for society.  Evaluate the personal costs and benefits of gambling. Standard 12: The student … Continue reading Gambling — Risky Business


    Buying a House

    Students learn about buying a house including reasons, financing, and the costs and benefits. Teaching Objectives: Discuss the reasons that people buy.  Explain the elements of a mortgage (e.g., down payment, escrow account, due date, late feeds and amortization table).  Explore the different types of lenders and housing loans.  Recognize other costs associated with homeownership, … Continue reading Buying a House



    Housing Alternatives

    Students learn about different types of housing. Teaching Objectives: Identify various housing alternatives. Determine local housing options, both renting and buying. Standard 10: The student will explain and compare the responsibilities of renting versus buying a home. Suggested Grade Level 7th – 12th Grade Lesson Excerpt: One of the most significant financial decisions people make … Continue reading Housing Alternatives